Steward Inc.

Steward serves individual clients and families and provides a single integrated wealth advisory service that combines discretionary investment management with advanced financial planning; the brochure states the firm does not offer standalone planning or standalone portfolio management. Investment management is delivered through individually tailored portfolios with ongoing supervision, and the firm primarily implements allocations using mutual funds and exchange-traded funds.

The firm’s investment approach emphasizes strategic asset allocation and diversification grounded in Modern Portfolio Theory, a long-term orientation that avoids stock picking and market timing, and a fundamental analysis framework for selecting asset-class exposures. Steward prepares investment policy statements, monitors and rebalances portfolios as needed (not on a strict calendar basis), and integrates tax, estate, and retirement considerations into its financial plans.

Noteworthy features for a small, two-advisor firm include a stated trade-error reimbursement policy and an explicit decision not to vote client proxies (clients retain proxy voting responsibility), both spelled out in the brochure. The firm also discloses participation in a custodian discount program that provides practice-management benefits and—uncommonly among peers—uses client testimonials in its advertising materials.